Attachment 1
NO BANK TOTAL ASSET *) TIER I CAPITAL
(Rp. Million) (Rp. Million)
Attachment 2
DEFINITION AND NATION DISCRETION
I. Credit Risk
a. Definition of portfolio classification and risk weighted
No Category Description Current Basel II Discretion Regulation
1 Corporate Exposure from corporate debitur with 100% Based on rating -including State total credit of > Rp. 5 Billion
Owned Enterprise
2 Sovereign Exposure from government and central bank 0% Based on rating Scenario 1: 100% Scenario 2: 50% 3 Bank Exposure from banks 20% Based on rating
-a. Short term, original maturity = 3 months b. Long term, original maturity < 3 months 4 Retail Exposures that meet retail criteria in Basel II
a.Residential mortgages 50% 35% -b. Non residential mortgages 100% 75%
5 SME Exposures that do not meet retail criteria 100% in Basel II, and are classified as:
a. Retail, total credit = Rp. 500 million 75% b. Corporate, if total credit > 500 million Based on rating 6 Past Due (> 90 days) a. Residential Mortgages
? Special Allowance < 20% of total exposures 100% 100%
? Special Allowance = 20% of total exposures 100% 50%
-b. Non residential Mortgages 75%
? Special Allowance < 20% of total exposures 100% 150% ? Special Allowance 20%-50% 100% 100% ? Special Allowance = 50% 100% 50%
Risk Weighted
